International Money Express Inc (IMXI)
NASDAQ:IMXI
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International Money Express
(NASDAQ:IMXI)
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Rating:40Underperform
Price Target:
$14.50
▼(-6.69% Downside)
Action:Downgraded
Date:05/14/26
The score is weighed down primarily by deteriorating financial performance (negative operating profitability and negative TTM free cash flow) and an expensive valuation (very high P/E). Technicals are also weak with strong downside momentum, only partially offset by a still-manageable balance sheet and historically stronger results.
Positive Factors
High ROE and stable equity
Sustained ~20%+ ROE and stable equity indicate historically efficient use of capital and profitable operations. That track record supports the company's ability to generate shareholder returns and rebuild profitability as volumes normalize, underpinning long-term value generation.
Negative Factors
Declining revenue trend
A multi-period revenue decline erodes the core fee and FX revenue base that funds margins and partner economics. Persisting top-line shrinkage weakens scale benefits, reduces bargaining power with agents and payout partners, and constrains reinvestment into product and distribution.
Read all positive and negative factors
Positive Factors
Negative Factors
High ROE and stable equity
Sustained ~20%+ ROE and stable equity indicate historically efficient use of capital and profitable operations. That track record supports the company's ability to generate shareholder returns and rebuild profitability as volumes normalize, underpinning long-term value generation.
Read all positive factors
International Money Express (IMXI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$456.53M
Dividend YieldN/A
Average Volume (3M)235.33K
Price to Earnings (P/E)17.6
Beta (1Y)0.78
Revenue Growth-10.94%
EPS Growth-50.17%
CountryUS
Employees1,101
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)0.86
Shares Outstanding30,094,492
10 Day Avg. Volume279,257
30 Day Avg. Volume235,326
Financial Highlights & Ratios
PEG Ratio-0.35
Price to Book (P/B)2.86
Price to Sales (P/S)0.76
P/FCF Ratio29.08
Enterprise Value/Market Cap1.19
Enterprise Value/Revenue1.12
Enterprise Value/Gross Profit52.71
Enterprise Value/Ebitda-19.84
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.35
Revenue Forecast (FY)$581.37M
International Money Express Business Overview & Revenue Model
Company Description
International Money Express, Inc., through its subsidiary, operates as a money remittance services company in the United States, Latin America, Mexico, Africa, Central and South America, and the Caribbean. The company offers remittance services, w...
How the Company Makes Money
IMXI primarily makes money from fees and foreign-exchange (FX) related revenue associated with international remittance transactions. (1) Transaction fees: the company charges customers a fee to initiate a money transfer; fees generally vary based...
International Money Express Earnings Call Summary
Earnings Call Date:May 07, 2025
(Q1-2025)
| % Change Since: |
Next Earnings Date:Aug 05, 2026
Earnings Call Sentiment Neutral
The earnings call presented a mixed outlook. While the digital segment showed strong growth and the total principal amount sent increased, key financial metrics declined, and the company revised its full year guidance due to market uncertainties. The overall sentiment of the call reflects both positive achievements in digital expansion and challenges in maintaining transaction volumes and profitability.Positive Updates
Increase in Total Principal Amount Sent
Total principal amount sent increased by 4% year-over-year, indicating the underlying strength of the business despite fewer transactions.
Negative Updates
Year-over-Year Decline in Key Financial Metrics
Total revenue was $144.3 million, net income was $7.8 million, and adjusted EBITDA was $21.6 million, all down from the previous year.
Read all updates
Q1-2025 Updates
Positive
Negative
Increase in Total Principal Amount Sent
Total principal amount sent increased by 4% year-over-year, indicating the underlying strength of the business despite fewer transactions.
Read all positive updates
Company Guidance
During the first quarter of 2025 earnings call, International Money Express, Inc. provided detailed guidance and insights into its financial performance. Total revenue for the quarter reached $144.3 million, with a net income of $7.8 million and adjusted EBITDA of $21.6 million. Adjusted diluted earnings per share stood at $0.35. Despite these metrics being down year-over-year, the total principal amount sent increased by 4%, highlighting the underlying strength of the business. The company also reported a decline in the number of transactions, attributed to larger principal amounts being sent less frequently. Digital transactions grew by nearly 70% year-over-year, and the company invested more in digital marketing than ever before. For full-year 2025, Intermex projected revenue between $634.9 million and $654.2 million, with adjusted diluted EPS ranging from $1.86 to $2.02, and adjusted EBITDA between $103.6 million and $106.8 million. The company emphasized the importance of both its retail platform and growing digital business, maintaining a strong balance sheet with $151.8 million in cash and significant flexibility for strategic growth initiatives.International Money Express Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
62
Positive
Cash Flow
30
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 481.94M | 607.78M | 658.65M | 658.74M | 546.80M | 459.21M |
| Gross Profit | 10.29M | 218.91M | 590.40M | 222.47M | 182.00M | 151.75M |
| EBITDA | -27.33M | 76.10M | 108.66M | 108.36M | 92.38M | 77.34M |
| Net Income | 25.41M | 32.67M | 58.82M | 59.52M | 57.33M | 46.84M |
Balance Sheet | ||||||
| Total Assets | 565.94M | 517.69M | 462.38M | 576.81M | 512.07M | 340.54M |
| Cash, Cash Equivalents and Short-Term Investments | 170.32M | 168.68M | 130.50M | 239.20M | 149.49M | 132.47M |
| Total Debt | 262.28M | 216.51M | 181.67M | 215.86M | 183.74M | 83.09M |
| Total Liabilities | 403.25M | 356.64M | 327.45M | 427.77M | 362.17M | 197.50M |
| Stockholders Equity | 162.69M | 161.05M | 134.92M | 149.04M | 149.91M | 143.04M |
Cash Flow | ||||||
| Free Cash Flow | -63.05M | 15.81M | 23.09M | 130.72M | 3.00M | 67.51M |
| Operating Cash Flow | -41.76M | 36.89M | 53.09M | 143.53M | 15.17M | 78.10M |
| Investing Cash Flow | -22.25M | -22.07M | -43.95M | -18.28M | -12.53M | -10.77M |
| Financing Cash Flow | 81.00M | 20.80M | -114.20M | -37.12M | 14.06M | -9.62M |
International Money Express Technical Analysis
Negative
15.54
Price Trends
15.71
Negative
15.66
Negative
15.24
Negative
Market Momentum
-0.19
Positive
20.62
Positive
26.98
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IMXI, the sentiment is Negative. The current price of 15.54 is above the 20-day moving average (MA) of 15.52, below the 50-day MA of 15.71, and above the 200-day MA of 15.24, indicating a bearish trend. The MACD of -0.19 indicates Positive momentum. The RSI at 20.62 is Positive, neither overbought nor oversold. The STOCH value of 26.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IMXI.
International Money Express Risk Analysis
International Money Express disclosed 40 risk factors in its most recent earnings report. International Money Express reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
International Money Express Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $4.24B | 39.96 | 12.66% | ― | 27.27% | ― | |
75 Outperform | $397.49M | 38.12 | 21.74% | ― | 43.38% | 66.05% | |
75 Outperform | $1.67B | 24.40 | 10.01% | ― | 7.19% | -36.03% | |
64 Neutral | $34.08M | 60.32 | 0.58% | ― | 13.23% | ― | |
62 Neutral | $2.64B | 10.75 | 24.04% | ― | 7.22% | 6.31% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
40 Underperform | $456.53M | 17.58 | 16.51% | ― | -10.94% | -50.17% |
* Technology Sector Average
IMXI
International Money Express
14.96
3.97
36.12%
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.